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Digital Banking Research


Tech Enablement for Trusted Advisers

  • Javelin Report
  • Date: April 2, 2021
  • Author(s): Austin Kilgore
  • Research Topic(s): Digital Lending
Digital originations help lenders engage with consumers earlier in the process of buying homes and cars. But even the most sophisticated lenders often struggle with extending these enhancements to professionals outside their organizations who ar...

Digital Déjà Vu: Banks Miss Another Stimulus Opportunity

As the third round of stimulus payments reached U.S. consumers, most digital banking sites provided little, if any, guidance as to how best to put the funds to use. Banks missed a perfect opportunity to showcase financial fitness tools and conte...

The Gaping Digital Divide in Push Notifications

Although financial alerts are a crucial conduit for long-term, proactive relationships, the majority of U.S. banks and credit unions have handicapped themselves in two ways. They are both deaf and dumb – deaf to consumer demand for personalized ...

Banking on Digital and AI: Increasing Agent Efficiency and Customer Experience

Join Javelin’s Digital Banking Director, Emmett Higdon, and Nuance’s Head of Digital Product Management, Abhay Prasad, for an interactive discussion on how artificial intelligence is making digital communications a more efficient and effective w...

The Small-Business Banking Maturity Path: Building the Financial Hub

To survive and thrive in business digital banking in the coming decade, banks will need to transform their offerings in a way that keeps small businesses from looking over the fence at encroaching non-bank players. In this report, Javelin lays o...

Digital Strategies for Direct Auto Lending

  • Javelin Report
  • Date: March 11, 2021
  • Author(s): Austin Kilgore
  • Research Topic(s): Digital Lending
The digital direct channel offers a compelling alternative to traditional indirect auto finance. But auto lenders seeking to establish a presence in the digital direct channel will find an already crowded field of nonbank fintech lenders, one-st...

Searching for Digital Engagement

The banking industry is investing heavily in chat bots and virtual assistants, but pioneering banks are struggling to encourage customers to adopt these conversational tools and interfaces. Banks must consolidate a confusing range of discovery t...

Consumer Skepticism Has Neobanks Scrambling to Differentiate

In recent years, dozens of new so-called neobanks have come to market, looking to disrupt the banking landscape by offering simple, digital-only accounts that emphasize customer-friendly pricing, product positioning, and communications. Neobanks...

Ginnie Mae’s First eNotes Create New Urgency for Digital Mortgages

  • Impact Note
  • Date: February 2, 2021
  • Author(s): Austin Kilgore
  • Research Topic(s): Digital Lending
The completion of Ginnie Mae’s first-ever mortgage-backed security comprised entirely of electronic promissory notes eliminates longstanding barriers to entry for eNotes and is an enormous step forward for broader industry adoption.

2021 Financial Industry Trends: Digital Banking

Join Emmett Higdon, Director, Digital Banking and Mark Schwanhausser, Director, Digital Banking as they walks you through Javelin’s predictions for the Digital Banking Industry.

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